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How does credit restoration work?

You’ve seen the ads claiming to be able to completely repair your credit report, but is credit restoration too good to be true? How do they do it? Credit repair companies collect information from you and do their own research around the circumstances and causes of your negative listing. Then...

How to remove defaults from your credit report

If you are reading this, chances are you may have already experienced what it’s like to have a default on your credit history. Lenders check what’s on your credit report when you apply for credit, and if you have a default (black mark), you may be considered a ‘bad’ credit...

Part 3: Tips for managing your credit ongoing

You’ve begun the hard work of cleaning up your credit history – congratulations! Now, your credit score will be on its way to improvement, which comes with significant benefits for your life and financial future.   Maintain your good credit record Your goal now is to keep up your good...

Part 2: So, you have bad credit, now what?

If you recognise some of the signs you may have bad credit it’s time to take control and get your finances back on track. It’s never too late to repair your credit history and build your credit score and doing so can help you achieve important life goals. You simply...

Afterpay and your credit score!

Afterpay is the latest shopping trend sweeping Australia. Consumers love it, as do retailers. While it can be convenient, it could mean disaster if you want to apply for a new credit card or loan. There are a few things about using Afterpay you should be aware of. Here, we...

Debt management 101: Stay on top of your debts!

Life can be complex and it can often be hard to keep on top of expenses, bills and debts. Without attention and careful repayment strategies, debts can often tally up and get out of control, causing more financial stress and potentially leading to bankruptcy. Thankfully, there are various debt management...